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Union Bank of India UNIONBANK NSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://www.unionbankofindia.bank.in

Union Bank of India provides banking products and services in India. It operates in four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. The company offers savings, salary, and current accounts; term deposits; retail loans comprising home, vehicle, and education, loans; personal, MSME, agriculture, foreign currency, and gold loans; loans against the property; loans for senior citizen and pensioners; and debit, credit, and gift cards. It also provides corporate loans, such as line of credit, trade finance, working capital, project financing, and channel finance; wealth management; mutual funds; life, non-life, and health insurance products; and government saving and international schemes. In addition, the company offers app, internet, doorstep, explore digital, self-service, ATM, and SMS banking services; safe deposit locker and cheque collection; positive pay and cash management systems; point of sale terminal and immediate payment; and demat and online trading services. Further, it provides ECGC cover and foreign exchange; derivatives; export and import; NRI banking; remittance; treasury; and other products and services. Union Bank of India was incorporated in 1919 and is headquartered in Mumbai, India.

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₹167.88
+23.00% 1Y

Market & Price

Market Cap
₹1.28 L Cr
Current Price
₹167.88
High / Low (52W)
₹202.27 / ₹124.82
Beta
0.94

Valuation

Stock P/E
6.60
Industry PE
19.12
Forward P/E
6.54
PEG Ratio
-
Book Value
₹171.66
Price to Book
0.98
P/S
2.35
EV/EBITDA
-
Dividend Yield
2.98%

Profitability & Returns

ROCE
-
ROE
15.71%
ROA
1.25%
Profit Margin
35.66%
Op Margin
-
EPS (Latest Qtr)
₹7.21
EPS (TTM)
₹25.45

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
-
Total Assets
₹15.88 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
74.76%
Chg in Prom Hold
-
FII / Inst Holding
15.09%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
-
Total Revenue (TTM)
₹54,490.23 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-70,768.30 Cr
Shares Outstanding
₹763.36 Cr
Gross Margin
0.00%
Payout Ratio
18.66%

Growth (CAGR)

Revenue 5Y
7.73%
Profit 5Y
31.67%
Revenue (YoY)
-
Earnings (YoY)
-

PROS

  • Excellent profit margin of 35.7%.
  • Profit CAGR of 31.7% over 5 years.
  • Attractive dividend yield of 2.98%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UNIONBANK Union Bank of India NSEFINANCIALPSU 167.88 6.60 ₹1.28 L Cr 2.98% - 15.71% 7.73% 31.67%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 13,984.58 Cr15,847.67 Cr14,112.84 Cr14,631.99 Cr15,669.12 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 6,595.98 Cr7,987.39 Cr7,689.01 Cr7,758.61 Cr8,325.81 Cr
Operating Income -----
EBITDA -----
Interest Expense 17,350.22 Cr17,743.17 Cr18,231.09 Cr17,369.93 Cr17,005.41 Cr
Pretax Income 5,888.74 Cr6,174.76 Cr5,268.68 Cr6,637.76 Cr6,925.54 Cr
Tax Provision 1,291.57 Cr1,173.54 Cr1,132.11 Cr1,608.94 Cr1,591.59 Cr
Net Income 4,623.03 Cr5,011.22 Cr4,427.94 Cr5,072.69 Cr5,503.61 Cr
Diluted EPS 6.066.565.806.657.21

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -47,131.65 Cr55,177.69 Cr59,245.94 Cr58,922.18 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -23,465.22 Cr26,560.83 Cr28,395.67 Cr32,310.30 Cr
Operating Income -----
EBITDA -----
Interest Expense -48,032.84 Cr63,363.70 Cr68,916.28 Cr69,477.33 Cr
Pretax Income -12,227.86 Cr21,596.40 Cr23,423.88 Cr24,284.50 Cr
Tax Provision -3,716.20 Cr7,799.28 Cr5,502.71 Cr5,503.88 Cr
Net Income -8,511.66 Cr13,797.12 Cr18,026.96 Cr19,430.20 Cr
Diluted EPS -12.4519.1523.6225.45

Compounded Sales Growth

5 Years:7.73%
1 Year:-

Compounded Profit Growth

5 Years:31.67%
1 Year:-

Stock Price Performance

1 Year:+23.00%
6 Months:+9.83%
3 Months:-16.32%
1 Month:+1.17%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -12.88 L Cr14.02 L Cr15.11 L Cr15.88 L Cr
Current Assets -----
Cash & Equivalents -1.13 L Cr1.20 L Cr1.32 L Cr96,043.35 Cr
Inventory -----
Receivables 11,649.98 Cr12,489.14 Cr14,468.27 Cr14,764.60 Cr-
Total Liabilities -12.10 L Cr13.04 L Cr13.97 L Cr14.54 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -29,354.59 Cr26,974.27 Cr27,489.79 Cr77,797.87 Cr
Total Equity -78,803.51 Cr97,597.66 Cr1.14 L Cr1.34 L Cr
Shares Outstanding -683.47 Cr763.36 Cr763.36 Cr763.36 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -6,055.85 Cr19,929.69 Cr-20,387.05 Cr-35,798.35 Cr
Investing Cash Flow --2,561.05 Cr-1,393.77 Cr-1,889.77 Cr-7,075.25 Cr
Financing Cash Flow --10,654.16 Cr-11,488.94 Cr33,819.01 Cr7,728.92 Cr
Capital Expenditure --3,065.55 Cr-1,648.80 Cr-1,667.59 Cr-3,223.78 Cr
Free Cash Flow -2,990.30 Cr18,280.89 Cr-22,054.64 Cr-39,022.13 Cr
Net Change in Cash --7,159.36 Cr7,046.98 Cr11,542.19 Cr-35,144.68 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -18.1%25.0%30.4%33.0%
ROE % -10.8%14.1%15.8%14.5%
ROCE % -----

Shareholding Pattern

Insiders
74.76%
Institutions
15.09%
Public Float
59.77%

Analyst View

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